At Norman Wealth Advisory our goal is to assist you in BUILDING, PROTECTING, and eventually TRANSFERRING your wealth. It took me 20 years to design what I believe to be one of the best "value propositions" in the industry. It's simple the client comes first, in everything thing I do, and every process I implement is for your financial benefit. I have a low fee holistic financial planning practice. I will be a forward thinker on your behalf. This will hopefully prevent you from having financial pitfalls in the future, that could derail your entire financial plan.
|Firm Start Year:||1988|
|Name of Broker/Dealer:||Cutter and Company Brokerage|
|Name of Custodial Firm:||Wells Fargo Clearing Services|
|States Licensed in:||I have the capability to become licensed in ALL 50 states|
|Number of Years with Current Firm:||4|
|I work with the following types of clients:||Investment Clubs, Non-Profit Organizations, 401k plans, Businesses, Individual Investors|
|Advisory Services Provided:||Tax Advice and Services, Financial Planning for Businesses, Financial Planning for Individuals, Education Funding and Planning, Risk Management, Money Management, Wealth Management, 401K Rollovers, Portfolio Management, Estate Planning & Trusts, Financial Advice & Consulting, Annuities, Insurance Planning, Retirement Planning|
|Investment Types:||Annuities, Mutual Funds, Options & Futures, Bonds, Stocks, Insurance, Exchange Traded Funds (ETFs), Alternative Investments, Socially Responsible Investments (SRI)|
|I can meet clients in the following ways:||At your home, At my office, Via Phone, Via Email, At your office, Video Conference|
Qualifications & Memberships
|Insurance and Annuity Licenses:||Health, Disability, Accident, Annuity, Variable Life, Life, Variable Annuity, Long Term Care|
|Non-Financial Organization Memberships:||Marquette HS Baseball Booster Club|
|Firm's Number of Clients:||75|
|Firm's Number of Planning Clients:||50|
|Firm's Number of Managed Clients:||50|
|Assets Managed by Firm:||25,000,000|
|Advisor's Number of Clients:||75|
|Advisor's Number of Managed Clients:||50|
|Advisor's Number of Planning Clients:||75|
|Assets Managed by Advisor:||25,000,000|
|Investment Advisor Representative:||Yes|
|I am an acknowledged fiduciary:||Yes|
|Compliance Disclosures in Last 5 years:||I have a clean record|
|Criminal Disclosures in Last 5 years:||I have a clean record|
Compensation and Fees
|Compensation Methods:||Commissions, Based on Assets|
|Fee % Based on Assets:||.25%-1.50%|
|Additional Details on Charges:||Annual fees are between .25% and 1.5% based on amount of assets I'm managing|
|Organization:||Marquette HS Baseball Booster Club Marquette High School|
|Duration :||09/10/2019-Currently holding|
|Bachelor Degree - Finance||
University of Missouri-Saint Louis - Saint Louis, Missouri
Securities and Investment advisory services offered through Cutter and Company Brokerage, Inc. Member FINRA, SIPC Cutter and Company Brokerage Inc. 15415 Clayton Rd. Ballwin, Mo. 63011 636-537-8770 fax: 636-537-8779
Norman Wealth Advisory
I started in the Industry in 1994. I have obtained Series 7, 24, 63, 65 and several Insurance licenses. Including: Long term care, Variable annuity, Accident, Health & Life, and Disability. I'm currently working on obtaining my Accredited Investment Fiduciary or AIF designation.
In helping you BUILD your Investments I use several factors:Regulatory oversight, Minimum Track Record, Stability of Organization, Assets in the Investment, Composition consistent with Asset class, Style Consistency, Expense Ratios/ Fees relative to peers, Risk-adjusted performance relative to peers.
Financial Planning for Businesses
Have you ever thought about selling your business? Did you know there's an investment that you can take a large lump sum amount and dump into it? It will grow tax deferred, you have tax free access to the funds, and you can pass on to your heirs income tax free? You have to have time to plan for it, but for the young business owner this can be a great strategy.
Financial Planning for Individuals
I believe it's critical to advise my clients on all of their investment accounts, and insurance policies regardless of advisor/agent or where the assets are safe guarded. In the portfolio construction process, the asset allocation on all accounts should be working congruently together. This allows me to manage the risk the client is taking across all of their accounts. This process includes accounts that I'm unable to hold at my firm like 529's and 401k accounts.
Financial Advice & Consulting
Long Term Care: Did you know that you and your family can pick a number that you'd like to use to spend on Long Term care and that whatever is not spent your heirs will receive in the form of a death benefit when you pass? And that amount of money is guaranteed to your heirs?
|Mon.||8:30 AM - 5:00 PM|
|Tue.||8:30 AM - 5:00 PM|
|Wed.||8:30 AM - 5:00 PM|
|Thu.||8:30 AM - 5:00 PM|
|Fri.||8:30 AM - 5:00 PM|
|I have the capability to become licensed in ALL 50 states|
Top Wealth Managers of St. Louis
Based on excellent customer service and overall satisfaction!